Mobile payment signature processing

Abstract

A mobile device renders a page that receives input points on a signature provided in conjunction with a mobile payment transaction. The page applies a smoothing algorithm to smooth the input points and create a signature file that more truly represents the actual input signature. The signature file and/or the input points are provided to a payment facilitator for use in completing the mobile payment transaction, performing fraud detection, and potentially for other purposes. Mechanisms are also disclosed for authenticating a buyer device in conjunction with a mobile payment transaction.

What is claimed is: 
     
       1. A computer-implemented method for authorizing or declining a transaction based upon a signature, the method comprising performing computer-implemented operations for:
 receiving a portion of data defining a signature of a customer at a payment facilitator, the portion of the data being less than an entirety of the data; 
 determining whether the portion of the data has been previously stored at the payment facilitator; 
 in response to determining that the portion of the data has been previously stored at the payment facilitator and as one or more additional portions of the data are being received, comparing the portion of the data to previously stored data defining the signature of the customer; and 
 prior to receiving the entirety of the data, determining that a transaction associated with the portion of the data is fraudulent and declining the transaction in response to determining that the portion of the data and the previously stored data are identical, wherein determining that the portion of the data and the previously stored data are identical comprises determining that the portion of the data and the previously stored data are within a threshold value of being identical. 
 
     
     
       2. The computer-implemented method of  claim 1 , wherein the data comprises a plurality of input points on a signature captured by a client device. 
     
     
       3. The computer-implemented method of  claim 1 , wherein the data comprises one or more of pressure data, velocity data, timing data, or stroke order for the signature captured by a client device. 
     
     
       4. The computer-implemented method of  claim 1 , wherein the data comprises a signature file rendered at a client device. 
     
     
       5. The computer-implemented method of  claim 1 , further comprising in response to receiving additional data defining an additional signature of the customer, determining that the additional data and the previously stored data are not within the threshold value of being identical:
 approving the transaction; and 
 storing the additional data. 
 
     
     
       6. The computer-implemented method of  claim 1  wherein:
 the previously stored data comprises previous data points and the portion of the data comprises current data points; 
 comparing the portion of the data to the previously stored data comprises, after receiving a first number of the current data points, comparing the current data points to the previous data points; and 
 declining the transaction comprises declining the transaction in response to determining that the current data points and the previous data points are within the threshold value of being identical. 
 
     
     
       7. The computer-implemented method of  claim 1  and further comprising replacing the previously stored data with the portion of the data. 
     
     
       8. The computer-implemented method of  claim 1  wherein:
 the previously stored data comprises previous data points and the portion of the data comprises current data points; 
 comparing the portion of the data to the previously stored data comprises, after receiving all the current data points, comparing all the current data points to the previous data points; and 
 declining the transaction comprises declining the transaction in response to determining that all the current data points and the previous data points are within the threshold value of being identical. 
 
     
     
       9. One or more non-transitory computer-readable storage media comprising instructions executable by one or more processors to cause a computing device to perform operations comprising:
 receiving a portion of data defining a signature of a customer at a payment facilitator, the portion of the data being less than an entirety of the data; 
 determining whether the portion of the data has been previously stored at the payment facilitator; 
 in response to determining that the portion of the data has been previously stored at the payment facilitator, comparing the portion of the data to previously stored data defining the signature of the customer; 
 prior to receiving the entirety of the data, declining a transaction in response to determining that the portion of the data and the previously stored data are identical, wherein determining that the portion of the data and the previously stored data are identical comprises determining that the portion of the data and the previously stored data are within a threshold value of being identical; and 
 based at least in part on declining the transaction, transmitting a denial message to a client device associated with the customer. 
 
     
     
       10. The computer-readable storage medium of  claim 9 , wherein the data comprises a plurality of input points on a signature captured by the client device. 
     
     
       11. The computer-readable storage medium of  claim 9 , wherein the data comprises one or more of pressure data, velocity data, timing data, or stroke order for the signature captured by the client device. 
     
     
       12. The computer-readable storage medium of  claim 9 , wherein the data comprises a signature file rendered at the client device. 
     
     
       13. The computer-readable storage medium of  claim 9 , wherein, in response to receiving additional data defining an additional signature of the customer, the instructions cause the computing device to perform operations further comprising:
 determining that the additional data and the previously stored data are not within the threshold value of being identical; 
 approving the transaction; 
 storing the additional data; and 
 based at least in part on approving the transaction, transmitting an approval message to the client device. 
 
     
     
       14. The computer-readable storage medium of  claim 9 , wherein:
 the previously stored data comprises previous data points and the portion of the data comprises current data points; 
 comparing the portion of the data to the previously stored data comprises, after receiving a first number of the current data points, comparing the current data points to the previous data points; and 
 declining the transaction comprises declining the transaction in response to determining that the current data points and the previous data points are within the threshold value of being identical. 
 
     
     
       15. A system comprising:
 one or more processors; and 
 one or more computer-readable media storing computer-executable instructions that, when executed, cause the one or more processors to perform operations comprising:
 receiving a portion of data defining a signature of a customer at a payment facilitator associated with a seller device, the portion of the data being less than an entirety of the data; 
 determining whether the portion of the data has been previously stored at the payment facilitator; 
 in response to determining that the portion of the data has been previously stored at the payment facilitator, comparing the portion of the data to previously stored data defining the signature of the customer; 
 prior to receiving the entirety of the data, declining a transaction in response to determining that the portion of the data and the previously stored data are identical, wherein determining that the portion of the data and the previously stored data are identical comprises determining that the portion of the data and the previously stored data are within a threshold value of being identical; and 
 based at least in part on declining the transaction, transmitting a denial message to the seller device. 
 
 
     
     
       16. The system of  claim 15 , wherein the data comprises a plurality of input points on a signature captured by a client device. 
     
     
       17. The system of  claim 15 , wherein the data comprises one or more of pressure data, velocity data, timing data, or stroke order for the signature captured by a client device. 
     
     
       18. The system of  claim 15 , wherein the data comprises a signature file rendered at a client device. 
     
     
       19. The system of  claim 15 , wherein, in response to receiving additional data defining an additional signature of the customer, the computer-executable instructions cause the computing device to perform operations further comprising:
 determining that the additional data and the previously stored data are not within the threshold value of being identical; 
 approving the transaction; 
 storing the additional data; and 
 based at least in part on approving the transaction, transmitting an approval message to the seller device. 
 
     
     
       20. The system of  claim 15 , wherein:
 the previously stored data comprises previous data points and the portion of the data comprises current data points; 
 comparing the portion of the data to the previously stored data comprises, after receiving a first number of the current data points, comparing the current data points to the previous data points; and 
 declining the transaction comprises declining the transaction in response to determining that the current data points and the previous data points are within the threshold value of being identical.